Mortgages by ChristineM

A large factor in your mortgage journey is knowing what your down payment needs to be and how are you going to reach that goal. The amount of your down payment will also be a factor in what your interest rate will be. Want to know more? Reach out today and we can go through it together. ... #Mortgagesbychristinem #mortgagebroker #firsttimehomebuyer #downpayment #homeownership #mortgageadvice #yegmortgagebroker #yycmortgagebroker #Sherwoodparkmortgagebroker #shake #dreamhome #interestrates #albertamortgages See more

Congratulations on your new home . Hope you are settling in and enjoying your home. Thank you for putting your trust in me.

Spent the day learning with Dustin Woodhouse! Thanks for all the great content.

Are you wanting to find a new home this year? Wonder what rates are going to do? Did you know that I can secure a rate for 120 days! That’s four months that you have time to look and know you have that rate locked in, in case they start to go up! Let’s do an application today. There is no cost to you to hold a rate. 403.968.2784 [email protected]

Happy New Year! After a challenging year, I wish everyone a healthy year ahead, wonderful times with family and friends and success in all your endeavors! Thank you to my family, friends and colleagues that have supported me over the year. Cheers to 2022... #mortgagesbychristinem #mortgagebroker #mortgageprofessional #mortgagebrokeryeg #mortgagebrokeryyc #albertamortgage #fthb #sherwoodparkmortgagebroker #shpklocal

Have a restful and safe holiday season. Looking forward to helping you out in the New Year!

From my family to yours. Have a safe and wonder Christmas season!

Congratulations Aidan on your first home! So excited for. You get to spend your first Christmas in your new space. Merry Christmas & a Happy New Year.

Thank you for the amazing review! It is always my pleasure to work with clients to get them into their first home. I love what I do

Just letting you know how easy it is to apply for a mortgage with me! My goal is to make the application process simple and efficient and get you into that home you have been dreaming of. I am on your team and together we will reach your goals. Plus, you have access to me in the evenings and weekends if that is the most convenient for you. ... So call, email or DM to get the process going today. 403.968.2784 [email protected] See more

Along with looking at your financial goals, an annual mortgage check-up is an important step to your long term success. By doing this you will make sure you are; Taking advantage of historic low interest rates. Maybe it is time to access some equity for renovations, debt consolidation, improve cash flow. NOW is a great time to talk about your current situation and ensure that you have the best options for you. I would love the opportunity to go through your current... situation and see if there is anything that could be a cost savings for you! There is no cost to you. Call, email or DM anytime. See more

Last informational post of 2020. What a year it has been! Lenders want you to have 1.5% of the purchase price set aside for closing costs. You will have to prove to them that you have that amount. Some closing costs to be aware of are: Home Inspection fee. Appraisal fee. Legal fees. Property Tax Adjustments. ... Interest Adjustments. Title Insurance. Land transfer tax ( besides Alberta and Manitoba). Homeowners’ Insurance. Mortgage Insurance. Knowing and understanding each of these costs will help you plan financially for them and not be surprised by them. If you would like more information on closing costs and mortgages please call, email or DM. I would love to help you make your dream a reality. Have a Happy Holiday See more

We often set our personal, workout, eating goals and complete our vision boards in the new year. What about your financial goals? This can be a budget for your expenses. Set up a savings plan for a down payment, vacation (eventually!) a car etc. Plan to payoff credit cards or loans. What about planning for a home?... With rates at an all time low, maybe this is a perfect time! Let me help you decide if this will be a great time to get a mortgage. Call, email or DM anytime. [email protected] 403.968.2784

Congratulations Dylan! So excited for you. Enjoy your new place.

What is the difference? Home Appraisal: is an unbiased estimate of the value of a home done by a third party appraiser. Lenders will request an appraisal to ensure that the home is worth what you are paying for it. Lenders will only lend on the appraised value not the full purchase price. Appraisers look at the condition of the property, age, size, updates/renovations, exterior and interior finishes, location, neighborhood a...nd overall desirability. Finally, the appraiser looks at comparables and recent sales to come up with a value. Home Inspections: not required by the lender but a great document to get. it determines the condition of the home. will give you piece of mind that the home you are purchasing is safe. Inspections look at electrical, roof and attics, windows and doors, plumbing, furnace, walls and flooring, structural and foundations. The list is extensive and is important information to help you make an informed decision. Call, email or DM anytime. I would love to help you find your dream home. See more

Who would have ever thought that you would be able to apply for a mortgage, renew or refinance, all the while sitting in the comfort of your home! Covid and lockdowns have brought new challenges and many unknowns. We have all had to change, adapt and adopt new things. I can adapt to how you would like to communicate. We can Zoom, share emails, text or just talk on the phone. Documents can be shared and signed on the computer. You stay in your safe environment. No more waiting for days for an appointment. Quick and fast service. Please reach out if you have any questions. I would love to help your dreams come true!

A referral is truly the best compliment. Thank you to our wonderful clients and business partners for your support. We are a small business and rely solely o...n our amazing clients. Talking to us does not cost you a thing! We have flexible hours to accommodate your needs. Contact us today so we can create an individualized plan for your financial needs! Now is the time!

We are a small business so we rely solely on our clients. Talking to me does not cost you a thing! Need to call in the evening or weekend? No problem, I have flexible hours. I will spend the time to go over everything you need to know about what product will fit your situation. Keep me in mind for family, friends, co-workers, neighbours who are purchasing, renewing or refinancing.... I would like nothing more that to help you. Remember to support local businesses! See more

When it comes to deciding on a fixed or variable rate, there are a few things to consider. Fixed rates are based on the bond rates. Variable rates are based on the prime rate. Factors that can play into whether you take a fixed or variable are: how long are you planning on staying in the home. will your home meet your needs for size and location over the next 5 years. ... Consider the unexpected. If you have to break your mortgage contract, what type of mortgage can give you the best results. Your own comfort level. This is where talking to your Mortgage Agent about your mortgage needs is so beneficial for you. If you would like to know more about rates or anything mortgages, please call, email or DM. See more

Keeping with Financial Literacy month, why should you do a budget? A budget will help you assess where you are at this moment. budgets help you set up and commit to a spending plan. budgets can help you reach your financial goals like saving for a down payment. Sometimes making a budget can seem like a daunting task, but with a little time and effort it will be so worth it. You can find a lot of information on budgets on the internet. Need information on down payments and mortgage payments to help with setting up your budget, call, email or DM anytime.

HomeEquity Bank announces their newest rates! Have you ever wondered about Reverse Mortgages and how they work? I can tell you all about how they work. Call today. ... 403.968.2784. [email protected] See more

Thank you for letting me help you on your home buying journey! So excited for you! Enjoy

Saving for your down payment can be hard, but with some planning and using some of these tools, your dreams can become a reality! You will be required to put down a minimum of 5% of the purchase price of the home you are interested in. Some ways to save: Set up a tax free account. set up an RRSP. schedule your savings and set up pre-authorized weekly/monthly transfers. Saving that down payment will take discipline, but the payoff will be worth it! Call me today to talk about your options and what might work best for you.

November is Financial Literacy Month in Canada I encourage you to invest time into your financial well-being. Taking control of your finances can reduce your stress. Making a budget, having a debt- reduction plan, start a savings account are great to build your financial habits. Saving for a home and your future are all areas I can help you out with! Call, email or DM anytime.

What should you consider if you want to refinance your home? Refinancing is a good way to consolidate debt, take advantage of low interest rates and not have so many payments. Can allow you to free up some cash to finance larger projects like home renovations or help your kids with post-secondary school. You need to know that refinancing your home is basically applying for a new loan. ... You can borrow up to 80% of the appraised value of your home minus the amount owing on your home. Lenders will look at your credit scores, your debt servicing ratios, and job stability. There will be costs to refinancing but taking advantage of lower interest rates and less payments can sometimes out weigh those costs. Is this something you always wondered about but didn’t know who to ask? I can answer your questions. Call, DM or email me anytime. See more

What you see advertised for interest rates is not necessarily what you would qualify for or the best product for your situation! What factors can determine your rate? How much your down payment is Type of Mortgage-fixed vs variable, open or closed, term of the mortgage your credit score type of property you are purchasing eg) rural, vacation, modular home, rental properties By using a mortgage broker, I can determine what is the best product for you, what you can qualify for, and this in turn will determine the rate you can get. Reach out today for information.

Need information on your existing mortgage? Looking at buying a new home? Don't miss out on some of the lowest rates we have seen. Please call, email or DM anytime.

October is here! What are you favorite parts of this month? I love the smell of the leaves, the amazing colors of the leaves, vibrant sunsets, Thanksgiving dinner and Halloween

A day to listen, learn and celebrate Aboriginal Culture.

Despite Covid we are pleased to share this information with you.

Happy Fact Friday!! We have great news about the qualifying rate(stress test rate) being reduced to 4.79!! This means more buying and borrowing power for you, w...ith the qualifying rate reducing to 4.79 from 4.94. Contact us today for more information. Have a great weekend!

Please call or DM if you would like more information - [email protected] or 403-968-2784

Wow, Wow, Wow!!! These rates are amazing. Call or DM for more information. I would love to chat with you. #okotoksbusiness #mortgagesbychristinem #livinginokotoks #okotoksmortgage #yycmortgages #yycliving

Happy Canada Day! What a great country we live in.

Wow!! Amazing options for mortgages right now. Would you like to get a pre-approval to see what you can afford? Call me today to get started!

With the new announcements and changes to mortgage insurance rules, I thought you might like to know what mortgage insurance is! There are 3 mortgage insurers in Canada; CMHC, Genworth Canada and Canada Guaranty. CMHC is the only one changing their rules July 1st. This means that as a home buyer you still have options Interested in more information and how this affects you, please, DM, email or call.

Just a heads up to our clients that’s CMHC is changing the underwriting criteria due to the changes in economy from covid. If you have any questions regarding ...this please don’t hesitate to give us a call and we can further explain how this could effect you. Have a great Tuesday! https://www.cmhc-schl.gc.ca//cmhc-reviews-underwriting-cri

Because of you......... We are happy to celebrate our 20th Anniversay!! A Big Thank You to all of our clients and business partners for helping us reach this H...UGE milestone. In celebration we would love for you to check out our new website: www.di-verse.com #yeg #yegmortgages #yegmortgagebroker #yeghomes #20yearanniversary #celebrate #milestone #verico

Great article to read about Mortgage rates. If you would like any information on where interest rates are at right now, please message me.

Yesterday’s fun at the greenhouse with my crew So nice to to check out the plants. They make me happy #mortgagesbychristinem #okotoksliving#livinginokotoks #okotoksbusiness #happydays

Effective Monday May 25, the stress test is dropping to 4.94%. That means you as the home buyer will have more purchasing power. Need some more information on this, please DM me!

Good advice. Make sure you know the details!

Would you like to know what is happening in the mortgage markets right now?

Webinar with Rick Mercer Loved hearing how he is handling Covid-19 & his in-sights! #lessscaringmorecaring#mortgagesbychristinem#webinar #zoomlife #learning #rickmercer #verico#m3financialsolutions

Happy Mother’s Day!! Hope you are having a great day celebrating with your loved ones in person or on-line! I am thankful we have technology to connect us when we cannot be together.

Happy Monday! Wishing you all a wonderful week ahead. Even during these uncertain times there is so much to be grateful for! We are here to help, please reac...h out if you have any questions regarding financing we have some exciting new programs in place! #yeg #yegmortgages #yegmortgagebroker #alberta #albertamortgagebroker #yyc #yycmortgages #yycmortgagebroker

What about you? Staying home is great on the pocketbook #stayhome #saving #newnormal #adapt

Earth Day 2020- Let us continue to protect our environment!

#happyeaster #liveyourbestlife #familytime #friends

Banks are now reducing credit card rates and loan rates if you ask them!

If you are applying, please note the staggered days to do so!

Good information!

Please read and reach out if you have any question at all.

With all the unknowns in the world today and being told to social distance yourself and self isolate, you can still plan for a home purchase and renew your mortgage over the next few months. The beauty of working with a Mortgage Agent is we can do everything on-line and over the phone. If you would like to discuss your options, please call, email or DM anytime.

Nobody should have to worry about their mortgage because of financial impacts of COVID-19. Please contact your mortgage professional if you need advice on mortgage payment difficulties. Find out more: http://ow.ly/1YM050yLL2P

Now is the time to start looking for your dream home! With low interest rates and the stress test being reduced next month, your goals and vision could be a reality very soon

So much is happening in the mortgage industry! The mortgage stress test will be changing April 6, 2020 for insured mortgages. The Bank of Canada might cut their rate, and interest rates have been dropping. Great opportunity to get into the spring market. Call or DM for all the exciting news!!

To all my peeps who can't wait to go camping!! Get ready to book your favourite spot.

Watched a great matinee performance at the RPAC by the Dewdney Players Theatre Group! Love supporting local talent and businesses. #okotoksliving #okotoksevents #rpac #dewdneyplayers #musicals

Wow, so many great rates and incentives are being offered to clients wanting to purchase a home this spring!! Call, email or DM anytime to find out.

I choose kindness always! Having worked in the school system for years, it is important to stand up to bullying by wearing your pink shirt to raise awareness #pinkshirtday #awareness #wheretoturn #bullyingawareness #bullyinghotline

An interesting read!

Thank you Alex for a great session on Social Media for your Business. So many great ideas and information. I have to admit, this is an area that scares me as I am not sure what to do, say, post! With so much information out there, where do I start? SwayMarketing.ca

Congratulations on your new condo!! It was great working with you.

Interesting read. Check it out.

Great article to read if you are thinking of home renovations, debt consolidation and investment purposes.

This is a great time of year to plan for your upcoming mortgage renewal or a home renovation! You have nothing to lose by contacting me to discuss your options!

Congratulations to my clients who got to spend their first Christmas in their new home! Have fun making many more great memories!! #mortgagebrokers#newhome#mortgagesolutions

Happy New Year to my friends, family and clients! I wish you all happiness, good health and success in whatever you choose to do.

Wishing you and yours a very Merry Christmas and a Happy New Year!